Saudi American Bank Group (SAMBA) has said banks operating in the kingdom are seen to net higher earnings in the next years after returning to profits growth in 2010-2011, Saudi Gazette has reported. “The Saudi banking system remains in robust shape and the outlook is encouraging. The system weathered the 2008-2009 financial crisis without undue distress, and is well capitalised with an average capital adequacy ratio of some 16%,” SAMBA said. However, lending growth in the kingdom remains well below the peaks registered in the middle part of last decade, when credit to the private sector regularly exceeded 30% growth, it noted.